... by assets. The securities affected by the deal come from Countrywide Financial, the subprime mortgage lender whose practices have come to symbolize the excesses of the housing boom. Bank of America acquired Countrywide in 2008 (Schwartz). The settlement also covers almost all of $424 billion in mortgages that were issued by Countrywide, which were packaged into mortgage bonds at the time. Therefore, a broader group ... suffer the most from bundling troubled home loans and selling them as sound investments. They will claim 40 percent of the industry's mortgage-related losses - $25 billio...

• Word Count: 793
• Approx Pages: 3
• Has Bibliography
• Grade Level: Undergraduate

... expertise. He attended a military academy, one of very few officers to do so. In 1757, he took leave from his army post to travel to Europe with a Prussian military officer, debating battle tactics at some German courts. When he was nineteen, he secured a highly coveted post for anyone desirous of promotion when he became aide-de-camp to Lieutenant General John Manners, Marquess ... of Granby. Before he ever set foot in America, he was a veteran of European warfare. He became a regimental commander in 1761, serving with distinction at the battle of Vellinghausen in northern Germany durin...

• Word Count: 10342
• Approx Pages: 41
• Has Bibliography
• Grade Level: Undergraduate

... . Moreover, there are many cultural events in Flushing such as Chinese New Year parade, Mid-Autumn Festival celebration. According to Kenneth B. Bleiwas a deputy comptroller of New York State, besides Chinese cultures, other cultural offerings are also available in Flushing as well. Including Hindu Temple Society of North America,the Korean Performing Arts Center, the Binari-Korean American Cultural Troupe, the Korean-American Literary Association ... of New York Sunflower International and the Korean Calligraphy and Art Association of America. (Economic Dev of Flushing, Queens) Ultimate...

• Word Count: 1480
• Approx Pages: 6
• Has Bibliography
• Grade Level: Undergraduate

... image that he projects to others, approached her. Drouet is symbolic of the lure, changing facade of America's new economy and the increased mobility of the middle class of worker that was ushered in by the coming of the industrial age in America. In the early stages of her stay in Chicago, Carrie resided in the home of her sister Minnie and her husband Hanson, a taciturn and stern family ... illusive dream she had lived and pursued. Jay Gatsby and the American Dream For Jay Gatsby the protagonist of The Great Gatsby, the pursuit of his American dream took the path of amassing of great ...

• Word Count: 7760
• Approx Pages: 31
• Grade Level: Undergraduate

... provided the raw materials for British factories to create the finished products and spread throughout the world for their own profit. This lack of means by which to produce military supplies drove the American forces to raid British forces. Ethan Allen and Benedict Arnold led colonial forces to ... Fort Ticonderoga and Crown Point to outnumber the British there and capture their cannons, used later to force the British out of the port of Boston. In 1775, the colonists stood in Breed's Hill against the British troops quartered there to keep the colonists in line with ... Quebec, with ...

• Word Count: 988
• Approx Pages: 4
• Has Bibliography
• Grade Level: Undergraduate

... industrial boom in the 1880s, only certain regions such as Piedmont, Lombardy and Liguria benefited. These were regions in the north, and as usual, the situation for those in the south did not change. Those fortunate enough to find employment consisted mainly ... younger generations. This optimism was unfortunately short lived especially for the lower social classes as educational reforms encountered problems, as there was a lack of resources and teachers. The major problem within the classroom was the fact that most Italians spoke in dialect and so conducting lessons in Italian were ......

• Word Count: 1449
• Approx Pages: 6
• Grade Level: Undergraduate

... culture, right-wing imagery, sexual taboos, and punk considered it in a thorough way that had never been done before by any generation, and the scene from the UK hit America as a rush of claustrophobic nihilism." (Greil 102) Nothing was taboo. Drugs had already been done to excess in the 1960's, and punk displayed that same hedonistic excess, only with an evolved ... poets and authors like Patti Smith and Jim Carroll composed prose and verse that critiqued society and the so-called "American Dream"." One venue, the Mercer Arts Center, was a kind of mall of entertainment containing five ...

• Word Count: 3241
• Approx Pages: 13
• Has Bibliography
• Grade Level: Undergraduate

... . In other words, 70 million Americans were not able to interpret or change the message of the series. The same people who were protesting the re-establishment of the registration for the draft in February of the same year, were now mostly curious about Dallas and J.R. (Vietnam and America, 301). On the other hand, a TV channel that was fully established for the purpose ... be such a powerful device? To understand this, we shall consider Festinger's theory on social influence: "If one believes that a sheet of glass is fragile, one can test that belief by hitting it with a hammer. The subj...

• Word Count: 2823
• Approx Pages: 11
• Grade Level: Undergraduate

America is a nation of immigrants. American's come from every ethnicity, religion and culture and as a result of the mixed ethnicity in US, there are more from Irish ancestry than in Ireland, more Italians in New York than in Venice, as well more Polish, blacks, Jews than in their leading cities of their countries. As consequence we cannot speak of ... immigration. The high rate of dependence on charity, disease, lack of personal hygiene and crime were the main characteristics of the immigrants. Religious persecution also occurred against Quakers, Mormons etc. Each ethnic group had its own er...

• Word Count: 572
• Approx Pages: 2
• Grade Level: Undergraduate

... an unharmful act and should be legalized, regardless of society's uneducated opinion on the matter. Prostitution should be legalized for the facts that it would generate a substantial amount of income for the federal government as a means of taxation; legalization would suppress the spread of venereal and it would also reduce the amount of crime along with physical violence which occurs in the commercial sex trade ... . In the majority of states, prostitution is suppressed to illegal activity and many believe it to ... be a form of immoral actions. But in Nevada, the state became famous ...

• Word Count: 1099
• Approx Pages: 4
• Has Bibliography
• Grade Level: Undergraduate

... all changes in electoral procedures had been completed, only five of the sixteen states had presidential electors popularly elected: Rhode Island, Maryland, Virginia, North Carolina, and Kentucky. Now that Presidential electors were chosen by state legislatures in nearly two-thirds of the states, the elections of members to the state assemblies became a major aspect of the presidential election (Cunningham, 105). According to Parton, the presidential ... electoral vote determined, it became clear that the election was to be finally settled in South Carolina. Though, Federalists still ha...

• Word Count: 2510
• Approx Pages: 10
• Has Bibliography
• Grade Level: Undergraduate

... Boffrand (1667 - 1754) was one of the most distinguished designers (in Paris) of private places and town houses (Hotels) for the aristocracy. In his designs for both exteriors and interiors, an impression of elegance and refinement is given by the use of smooth, light-colored surfaces, and extensive areas of class. This can be scene in Hotel de Soubise built in 1705, the whole system ... is overlaid with a linear network of ornaments based on ribbons, scrolls, shells, and similar plant forms. In the second ... half of the eighteenth century the transition to neoclassicism was a direct ...

• Word Count: 1959
• Approx Pages: 8
• Has Bibliography
• Grade Level: Undergraduate

... ensure that the national government respect the boundaries of state authority and that individuals would be secure against federal encroachments. The Federalists won, of course. The Constitution was ratified by all thirteen States, and The United States of America was born. In the end, even some of the most outspoken Antifederalists, like Melancton Smith of New York, ultimately voted for the Constitution. ... They feared that the only alternative to the Constitution was the breakup of the Union. Business Problems Periodic ... downturns in the national economy, growing criticism of pract...

• Word Count: 681
• Approx Pages: 3
• Grade Level: Undergraduate

... . In their desperation, the girls consult a slave from Barbados named D'Jouba who is believed to have ancient voodoo powers. According to the opening scene of the film, the girls are attempting to conjure their various crushes into loving them with D'Jouba's help. They each bring something to contribute to the ... McCarthy's hunt were celebrities based solely on the reason that they spend a lot of time outside the country; Miller topped this exclusive list and in response he wrote "The Crucible" as an example to the people of America of the parallels between events in the 1950s and the 1...

• Word Count: 523
• Approx Pages: 2
• Has Bibliography
• Grade Level: Undergraduate

... , the victims will have to undergo a government certification process to prove that their condition is a result of exposure at Ground Zero. After applying for coverage, victims must prove their "physical presence at one of the crash sites between September 11, 2001 and May 30, 2002" (Berger). By adding the 48 ... 2010, and was signed by President Barack in January 2011. The act was named after James Zadroga, a New York police officer who died of a respiratory disease caused by toxic chemicals after responding to the World Trade Center attacks (CNN). "Tomorrow we will remember those we los...

• Word Count: 775
• Approx Pages: 3
• Has Bibliography
• Grade Level: Undergraduate

... The other provision will enact new liability protection of pharmaceutical companies for the vaccines they develop. Under the Patriot Act, Internet Service Providers are given the right to discloser to a "law enforcement agency" the private communications of a customer, if the company has any reasonably belief that an emergency involving immediate danger of a death or serious physical injury to any person. In situations such as ... this will require a disclosure of the information without delay. The new rule would modify the Patriot Act, and it will allow ... about the security bills wh...

• Word Count: 741
• Approx Pages: 3
• Grade Level: Undergraduate

... have presented impressive evidence showing that American baseball, far from being an independent invention, evolved out of various ball-and-stick games that had been played in many areas of the world since the beginnings of recorded history. But in early America, precursors of baseball included informal games of English origin such as paddleball, trap ball, rounders, and town ball. The latter was a ... by adults and children with a bat and ball on an open field. Printed references to "base ball" in America date back to the eighteenth century. Among these accounts is one of Albigence Wa...

• Word Count: 1673
• Approx Pages: 7
• Grade Level: Undergraduate

... collected several materials at the curb. By 1998, 9,000 curbside programs and 12,000 recyclable drop-off centers had sprouted up across the nation. Recycling is one of the greatest successes of the United States and has several benefits towards the environment and human population. Collecting and processing secondary materials, manufacturing recycled-content products, and then purchasing recycled products ... creates a circle or loop that ensures the overall success and value of recycling. Collecting recyclables varies from community to community, but there are four primary methods; curb...

• Word Count: 494
• Approx Pages: 2
• Grade Level: Undergraduate

... super cell thunderstorm entering the area and with thunderstorms there is lightning, unfortunately lighting struck an electric substation on the Hudson River on the evening of July 13. This tripped major important circuit breakers in Buchanan, NY. Another cause for this infamous blackout event was a second and third ... the government billions in recovery. There was allegedly no one at the con Ed power station to pump start a generator but because of lack of responsibility in behalf of the con Ed employee it didn't start. Con Edison electric company had released a state to the New York T...

• Word Count: 1116
• Approx Pages: 4
• Has Bibliography
• Grade Level: Undergraduate

... myself, deem that television is an untrusted medium of communication that change the way people think about history, religion, politics, commerce and education into forms of entertainment and that become as result of superficial people incapable of dealing with complexity and reality. Let us see, from the eighteenth and nineteenth centuries America was considered to be founded by intellectuals, people ... with wide varieties of learning, rhetorical powers and people of deep faith to what the twentieth century brings us ... an age of media, where intelligence has been seen to diminish. ...

• Word Count: 642
• Approx Pages: 3
• Has Bibliography
• Grade Level: Undergraduate

... grey area between what is correct and what is illegal when granting the right of citizens in the United States of America. In hindsight of the destruction and loss on September 11, the U.S. government realized that the detailed surveillance of library books, analysis of phone conversations, and research of computer information, would have yielded potential possabilities to deter if not stop the terrorist ... activities. The result of the observation produced the Act S.1510 of the Senate (H.R.2975 of the house). The ... expressed in the Constitution," Attorney General John Ashcroft said...

• Word Count: 629
• Approx Pages: 3
• Grade Level: Undergraduate

... , the more employees are willing to contribute to the success of the business. Southwest Airlines way Southwest Airlines has been profitable every year for 31 years-an unsurpassed records in the highly turbulent, frequently unprofitable, airline industry. Most successful airline in history, achieved high levels of employee satisfaction, best companies to work r in America, and has consistently enjoyed lower turnover rates than other ... U.S. airlines. In the wake of the September 11, 2001, terrorist attacks, Southwest maintained a steady presence, refusing to lay off employees while othe...

• Word Count: 1509
• Approx Pages: 6
• Grade Level: Undergraduate

... Asimov to continue writing and trying to get published. After twelve more rejected stories, Asimov finally made his first sale to Amazing Stories in October of 1938, a story called "Marooned off Vesta." Asimov earned his master's degree in 1941 and married a woman named Gertrude Blugerman. This ... of civilizations, free will, and an individual's place in history. The Foundation series even remains popular today, having sold over two million copies. In 1958, Asimov stopped teaching in order to pursue writing full-time. In the decade or so that followed, he became known as America's ... ...

• Word Count: 1524
• Approx Pages: 6
• Has Bibliography
• Grade Level: Undergraduate

... an 1836 proposal by the American statesmen John Plumbe and Robert John Walker (Railroads). Finally, in July 1862, Congress authorized the construc-tion of two railroads that together would provide the first railroad link between the Mis-sissippi Valley and the Pacific coast (Allen 57). One was the ... subsidies, the construction was slower than Congress had anticipated. The Union Pacific actually got off to an extremely slow start with only forty miles of track laid in the first two years. The Central Pacific, wanting to capitalize on this opportunity, was threatening to build tracks into...

• Word Count: 1344
• Approx Pages: 5
• Has Bibliography
• Grade Level: Undergraduate

... too late for Newland to take advantage of the changes. In the following chapter, Wharton uses irony to the full. For example, when Ellen asks Newland if his marriage to May is a love-match, or arranged, he haughtily points out that in America there are no arranged marriages. However, ... it is patently obvious that that is exactly what their relationship is: something which their elders and betters' consider to be a suitable match, and not an engagement which has taken place as the result of genuine love and passion. ... she makes the telling point that there is no country to which the...

• Word Count: 2957
• Approx Pages: 12
• Grade Level: Undergraduate